Wheaton Bank & Trust Company, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wheaton Bank & Trust Company, N.A. of Wheaton, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.71% | 1.44% | +0.27% | 78th top |
| ROAE | 18.24% | 12.50% | +5.74% | 85th top |
| Net Interest Margin | 2.98% | 3.84% | -0.86% | 14th bottom |
| Efficiency Ratio | 31.43% | 58.90% | -27.47% | 97th top |
| PPNR / Avg Assets | 2.21% | 1.78% | +0.43% | 79th top |
| Yield on Earning Assets | 5.25% | 5.71% | -0.46% | 32nd below |
| Cost of Funds | 2.43% | 2.03% | +0.40% | 24th bottom |
| Net Interest Spread | 2.43% | 3.18% | -0.75% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.49% | 0.96% | -0.47% | 59th above |
| NPA / Total Assets | 0.33% | 0.75% | -0.42% | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.31% | -0.17% | 24th bottom |
| ACL / Total Loans | 0.51% | 1.25% | -0.74% | 3rd bottom |
| ACL / NPLs (Coverage) | 105.37% | 699.50% | -594.13% | 32nd below |
| Texas Ratio | 4.42% | 7.16% | -2.74% | 53rd above |
| Provision / NCO | -9.17% | 815.62% | -824.79% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.78% | 17.42% | -6.64% | 6th bottom |
| Tier 1 Ratio | 10.78% | 17.45% | -6.67% | 6th bottom |
| Total Capital Ratio | 11.32% | 18.51% | -7.19% | 3rd bottom |
| Leverage Ratio | 9.10% | 11.60% | -2.50% | 14th bottom |
| Equity / Assets | 8.81% | 11.33% | -2.52% | 18th bottom |
| TCE / Tangible Assets | 7.78% | 10.65% | -2.87% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.98% | 86.36% | -8.38% | 74th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 85.70% | 85.56% | +0.14% | 37th below |
| Uninsured Deposit Ratio | 39.74% | 32.70% | +7.04% | 27th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.20% | 5.45% | -1.25% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.71% | 10.45% | +7.26% | 89th top |
| Loan Growth (Y/Y) | 10.52% | 7.99% | +2.53% | 75th top |
| Deposit Growth (Y/Y) | 19.45% | 7.97% | +11.48% | 90th top |
See Wheaton Bank & Trust Company, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wheaton Bank & Trust Company, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Wheaton Bank & Trust Company, N.A. profile, how to read a UBPR, or how this data updates.